You need to grow up and put your big boy or girl pants on and keep enough cash on you for day to day transactions and stop slowing everyone down when doing small transactions.
We detached this subthread from https://news.ycombinator.com/item?id=11295009 and marked it off-topic.
Your condecension adds nothing, by the way.
Swipes card in reader, producing a loud error noise
"Nope, you have a chip. You need to stick it in the bottom. Hit next. Now enter your PIN. Do you want cash back? Hit okay. Let me see your ID, please."
Shows ID next to card so they can compare
"Sign this receipt, please. This one's your copy."
At which point I'm wishing I'd just used cash.
No signatures, no swiping, no ID checking.
If your not grown up enough to mange your fiances so you can keep £50 -100 in change to mange incidental day to day expenses dont be surprised if people treat you with condecension.
I'm surprised to see condescension here on hacker news, I normally don't see that here.
He says having moved from New Zealand to the UK in the last 6 months. Cash is a constant PITA here for me.
I'm of the generation where as kids ('90s) we used EFTPOS (electronic debit system which took an absolute maximum of 10 seconds including manual retailer and customer actions) to buy ~US$0.30 chocolate bars from corner shops. That was helped by both the retailers and customers essentially paying no transaction fees. (Doesn't apply to PayWave, but that's another story and the customer expectations are the same)